Last updated: February 16, 2026
MateFi LLC (“MateFi,” “we,” “us,” “our”) provides a personal finance budgeting experience through our website, mobile application, and related services (collectively, the “Services”). This Privacy Policy explains how we collect, use, disclose, and protect information about you.
This Privacy Policy applies when you visit our website, create an account, connect financial accounts, use budgeting/analytics/subscription features, or interact with our support and AI features.
This Policy does not apply to third-party websites or services that you access through the Services (for example, your bank’s website or third-party integrations). Their privacy practices are governed by their own policies.
We collect information in three ways: (a) you provide it, (b) we receive it from third parties you choose to connect, and (c) we collect it automatically.
If you choose to connect a financial account through a connectivity provider (such as Plaid), we may receive information like:
Note: When you connect accounts, your bank login credentials are generally entered into the connectivity provider’s flow, not into MateFi. What we receive depends on your permissions, your institution, and the products you enable.
If you purchase a paid plan, payments may be processed by a payment processor (such as Stripe). We may receive limited billing information (e.g., subscription status, plan type, renewal dates, and last four digits where applicable), but we do not need to store full payment card details to operate subscriptions.
If you choose to connect a financial account through a connectivity provider (such as Plaid), we may receive information like:
Note: When you connect accounts, your bank login credentials are generally entered into the connectivity provider’s flow, not into MateFi. What we receive depends on your permissions, your institution, and the products you enable.
We use information to:
MateFi may offer features that use AI or machine learning, including a chatbot.
Tip: Avoid sharing sensitive info in chatbot messages if you don’t want it used to support or improve the feature.
We do not sell your linked financial account and transaction data for money.
We may disclose information in the following circumstances:
We share information with vendors that help us operate the Services, such as providers for:
These providers are authorized to process information only as needed to provide services to us under contractual obligations.
We disclose information when you request or direct us to do so (e.g., exporting your data).
We may disclose information to comply with law or legal process, respond to lawful requests, protect rights/safety, investigate fraud or abuse, or enforce our agreements.
If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction.
We may disclose aggregated or de-identified information that cannot reasonably be used to identify you.
We use cookies and similar technologies for:
Your choices:
We retain Personal Information for as long as reasonably necessary to:
Retention depends on the type of data. If you request deletion, we will delete or de-identify information unless we must keep it for legitimate business or legal reasons.
We use administrative, technical, and organizational safeguards designed to protect information. No system is perfectly secure, and we cannot guarantee absolute security.
Depending on where you live (including the United States and Canada), you may have rights to:
10. Cross-Border Processing (U.S. and Canada)
We may process and store information in the United States and other locations where we or our service providers operate. If you are in Canada, your information may be processed outside your province/territory, including in the United States, where different data protection rules may apply.
The Services are not intended for children under 13. If you are under the age of majority where you live, you should use the Services only with permission of a parent/guardian. Certain features (like connecting financial accounts) may require you to be 18+ depending on your institution and applicable law.
We may update this Policy from time to time. If changes are material, we will provide notice through the Services or by other appropriate means. The “Effective Date” will reflect the latest version.
